Home Equity Loan

Unlock your home’s potential with PECU. 

Turn your home’s value into your next big opportunity. 

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Home Equity Loan Advantages 

  • Low fixed rate 
  • No application fee or hidden surprises 
  • Repayment terms that work for you

You spent time and money building up the equity in your home. Now, there’s a way you can put it to good use with a Home Equity Loan from PECU. Up to 80% of the value of your home may be available. 

Apply online or call us at 512-474-1955. Outside of Central Texas, you can reach us toll free at 1-800-772-1955. PECU Home Equity Loans are a proud part of PECU’s pledge, “Whatever you want to do, PECU can help you!”

Put your home's equity to work for the things that matter most — big or small, practical or personal.

Popular uses includes:

Home improvements - renovations, repairs, or energy upgrades

Debt consolidation - pay off credit cards or high-interest loans

Major purchases - vehicles, furniture, electronics, or appliances

Life events - weddings, vacations, medical expenses, or education

Dream projects - backyard upgrades, starting a business, or even a big dream trip

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*There’s no standard closing cost on loans less than $100,000. Standard closing costs include: title search, flood determination, credit report and filing fees. Additional costs such as appraisals, surveys, title policies and title company closing cost are the responsibility of the member. An estimate of all closing costs will be provided. Additional information may be required. All loans are subject to standard credit guidelines.

High Interest Checking CalculatorDisclaimer

Use this calculator to determine your projected earnings from our High Interest Checking account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly dividends earned* $0
  • Monthly ATM fees refunded**$0
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*Qualifications, limits and other requirements may apply. See details for more info.

**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 25.

Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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  • Net cost of buying $0
  • Net cost of leasing $0
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Certificates CalculatorDisclaimer

A fixed-rate, fixed-term Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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Savings CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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CD and IRA CDs

Term Rate Annual Percentage Yield
*6 Months 3.64% 3.70%
*12 Months 3.69% 3.75%
*24 Months 3.59% 3.65%
*36 Months 3.54% 3.60%
*48 Months 3.44% 3.50%

Minimum Balance- $1,000.00
*6 month certificates are not available under the IRAs.

*APY = Annual Percentage Yield

Credit Cards

Card Type Annual Percentage Rate (APR) Annual Fee
Platinum MasterCard 7.99% APR* $0
Gold MasterCard 9.99% APR* $0
Regular MasterCard 11.50% APR* $0
Share Secured MasterCard 12.00% APR* $0

*APR = Annual Percentage Rate

Free ATX Saver for High Interest

Below Cap Rate Below Cap APY Cap Above Cap Rate APY Range Non-Qual Rate
2.472% 2.50% $50,000 0.499% 2.50% to 1.50% 0.05%

APY = Annual Percentage Yield

High Interest Checking

Below Cap Rate Below Cap APY Cap Above Cap Rate APY Range Non-Qual Rate
5.841% 6.00% $15,000 0.499% 6.00% to 1.00% 0.05%

APY = Annual Percentage Yield

Holiday Savings Rates

Account Type Rate Annual Percentage Yield
Holiday Savings 0.25% 0.25%

Minimum Balance- $5.00
Annual Percentage Yield- Annual Percentage Yield- since interest is compounded monthly, the annual percentage yield is interest paid on interest. The interest must remain in the account through the last day of the month to earn the disclosed annual percentage yield.
Interest Rates- are subject to change at any time.
Early withdrawal Penalty: Any withdrawal of funds prior to the end of the term will result in a loss of all earnings.

Home Equity Loans

Maximum Term As Low As
Up to 5 years 5.39 APR*
Up to 10 years 5.79 APR*
Up to 15 years 6.19 APR*
Up to 20 years 6.39 APR*

Equal Housing Lender

*APR = Annual Percentage Rate

IRA Rates

Account Type Rate Annual Percentage Yield
Individual Retirement Account 0.40% 0.40%

Interest Rates- are subject to change at any time.
Ask for details and restrictions.

*APY = Annual Percentage Yield

Jumbo CDs

Account Type Rate Annual Percentage Yield
**6 Months Please, call Please, call for APY
**12 Months Please, call Please, call for APY

Minimum Balance- $90,000.00
Annual Percentage Yield- since interest is compounded monthly, the annual percentage yield is interest paid on interest. The interest must remain on the certificate to the end of the term to earn the disclosed annual percentage yield.
Interest Rates- are subject to change at any time.
Early withdrawal Penalty.
** Jumbo certificates are not available under the IRAs.

Money Market Rates

Account Type Rate Annual Percentage Yield
$2000.00-$24999.99 0.55% 0.55%
$25000.00-$74999.99 0.65% 0.65%
$75000.00-$124999.99 0.75% 0.75%
$125000.00-$199999.99 1.00% 1.00%
$200000.00 and over 1.25% 1.26%

Annual Percentage Yield- since interest is compounded monthly, the annual percentage yield is interest paid on interest. The interest must remain in the account through the last day of the month to earn the disclosed annual percentage yield.
Interest Rates- are subject to change at any time.

Mortgage Loans

Click here for Mortgage Rates

Motorcycle and Scooter Loans

Year Max Term As Low As
2025-2024 Up to 66 months 6.89% APR*
  Up to 72 months 7.49% APR*
2023-2022 Up to 66 months 8.09% APR*
  Up to 72 months 8.69% APR*
2021-2020 Up to 48 months 9.29% APR*
  Up to 63 months 9.29% APR*
2019-2018 Up to 48 months 9.29% APR*

*APR = Annual Percentage Rate

New and Used Autos

 

Year Max Term As Low As
2024 and Newer Up to 36 Months 4.99 APR*
Up to 48 Months 5.29 APR*
Up to 60 Months 5.39 APR*
Up to 66 Months 5.49 APR*
Up to 72 Months 5.59 APR*
Up to 78 Months 6.29 APR*
Up to 84 Months 6.49 APR*
2023
Up to 66 Months 5.79 APR*
Up to 72 Months 6.09 APR*
Up to 75 Months 6.29 APR*
2022-2021 Up to 66 Months 5.99 APR*
Up to 72 Months 6.29 APR*
2020 Up to 60 Months 6.39 APR*
Up to 66 Months 6.39 APR*
2019-2018 Up to 54 Months 6.39 APR*
Up to 60 Months 6.39 APR*
2017-2016 Up to 54 Months 6.59 APR*
Up to 60 Months 6.59 APR*

*APR = Annual Percentage Rate

Ready Credit Loan

Maximum Amount Annual Percentage Rate (APR)
$500.00 to $5000.00 11.50% APR*

*APR = Annual Percentage Rate

Recreational Vehicles

Maximum Term As Low As
Up to 48 months 7.19 APR*
Up to 60 months 7.79 APR*
Up to 84 months 8.39 APR*
Up to 120 months 8.99 APR*
Up to 180 months 9.99 APR*

*APR = Annual Percentage Rate

Regular Share/Savings Rates

Account Type Rate Annual Percentage Yield
Regular Savings 0.20% 0.20%

Paid Quarterly

Share Draft / Checking Rates

Account Type Rate Annual Percentage Yield
Checking Account 0.05% 0.05%

Paid Monthly

Share Secured Loan and Share Certificate Secured Loan

Loan Type Annual Percentage Rate (APR)
Share Secured Loan 4.75% APR*
Share Certificate Secured Loan 2.50% greater than Share Certificate Rate

*APR = Annual Percentage Rate

Signature Loans

Term As Low As
24 months 9.49% APR*
36 months 9.99% APR*
48 months 10.24% APR*
60 months 10.49% APR*

*APR = Annual Percentage Rate

Teen Bling Membership Shares

Account Type Rate Annual Percentage Yield
Club Bling Membership 0.25% 0.25%

Paid Quarterly

Zoo Crew Kids Membership Shares

Account Type Rate Annual Percentage Yield
Kids Savings Account 0.25% 0.25%

Paid Quarterly